PO Box 6270
Parsippany, NJ 07054


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 21244
Date Established 1973
Assets $83.02 million
Loans $43.91 million
Deposits $72.02 million
Capital $10.27 million

Union Building Trades is an NCUA insured institution located in Parsippany, NJ. It was founded in 1973 and has approximately $83.02 millions in assets.

Field of Membership Restrictions

Membership is open to members of several local trade unions and their family.

Deposit Rates - February 20, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.20% $2,500 $14,999 Learn MoreShow Less
Money Market
0.30% $15,000 $29,999 Learn MoreShow Less
Fixed IRA
0.40% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.20% $1,000 - Learn MoreShow Less
6 Mo CD
0.30% $1,000 - Learn MoreShow Less
12 Mo CD
0.40% $1,000 - Learn MoreShow Less
24 Mo CD
0.50% $1,000 - Learn MoreShow Less
30 Mo CD
0.60% $1,000 - Learn MoreShow Less
60 Mo CD
1.30% $1,000 - Learn MoreShow Less

Loan Rates - February 20, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for UNION BUILDING TRADES

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
First Internet Bank
NMLS ID: 424182
4.146% 4.125% 0.25 $638 $1,212 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Flagstar Bank
Flagstar Bank
Intro APR
3.490 %
After Intro: 6.240 %
Intro Period: 6 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Union Building Trades branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Union Building Trades Locations

Financial Details

Union Building Trades Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Union Building Trades. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Union Building Trades U.S. Average
4.44% 5.78

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2018, Union Building Trades had $490,878 in non-current loans and $0 in owned assets. To cover these potential losses it had $10,271,312 in net worth and $783,299 in loans loss reserves. That gives it a Texas Ratio of 4.44%.

Net Worth
Union Building Trades U.S. Average
12.37% 13.21%

Union Building Trades FCU has a net worth of 12.37% versus the BestCashCow average of 13.21. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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